[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/moneydoneright.com\/fast-money\/personal-loans\/white-rock-loans-review\/#Article","mainEntityOfPage":"https:\/\/moneydoneright.com\/fast-money\/personal-loans\/white-rock-loans-review\/","headline":"White Rock Loans Review 2025: A Loan That\u2019s Short on Details","name":"White Rock Loans Review 2025: A Loan That\u2019s Short on Details","description":"White Rock Loans Best For: White Rock Loans is for people who want a...","datePublished":"2020-06-17","dateModified":"2025-01-22","author":{"@type":"Person","@id":"https:\/\/moneydoneright.com\/author\/shannon-serpette\/#Person","name":"Shannon Serpette","url":"https:\/\/moneydoneright.com\/author\/shannon-serpette\/","identifier":63,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e8497bb70d7dace1eacc262ce2d9add2d2ea01626758283a5a9529a519b0862b?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e8497bb70d7dace1eacc262ce2d9add2d2ea01626758283a5a9529a519b0862b?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Money Done Right","logo":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","width":488,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/white-rock-loans-review.jpg","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/white-rock-loans-review.jpg","height":460,"width":1900},"url":"https:\/\/moneydoneright.com\/fast-money\/personal-loans\/white-rock-loans-review\/","commentCount":"1","comment":[{"@type":"Comment","@id":"https:\/\/moneydoneright.com\/fast-money\/personal-loans\/white-rock-loans-review\/#Comment1","dateCreated":"2018-05-25 10:17:13","description":"Need a loan for move and a truck","author":{"@type":"Person","name":"Pamela","url":""}}],"about":["Personal Loans"],"wordCount":2425,"keywords":["schema"],"articleBody":"\t    \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tWhite Rock Loans\t\t\t\tBest For: White Rock Loans is for people who want a short-term, relatively small loan fast.Pros: If you\u2019re matched with a lender, the money will arrive fast. You won\u2019t be in debt long because these are short-term loans. The requirements to qualify aren\u2019t difficult to meet.Cons: It\u2019s a crapshoot as to what rates you\u2019ll get because no ranges are listed on White Rock Loans\u2019 website. The possible length of the loan also isn\u2019t disclosed. \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAPR (Details)\t\t\t\t\t\t\t\t\t\t3\/10\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tFees (Details)\t\t\t\t\t\t\t\t\t\t3\/10\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tTransparency (Details)\t\t\t\t\t\t\t\t\t\t2\/10\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tFlexibility (Details)\t\t\t\t\t\t\t\t\t\t5\/10\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tFunding Speed (Details)\t\t\t\t\t\t\t\t\t\t10\/10\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAccessibility (Details)\t\t\t\t\t\t\t\t\t\t8\/10\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAPRNot disclosedMINIMUM CREDITOpen to any credit scoreTERMSShort term, but the range isn\u2019t statedORIGINATION FEENot disclosed\t\t\t\tOur Review Methodology        We may receive a commission if you sign up or purchase through links on this page.  Here's more information.    Out of the blue, you\u2019ve been hit with an expense and you feel your only way out is to take a short-term loan. If your back is to the wall, it\u2019s good to know that these types of loans are easy to obtain. Lending platforms like White Rock Loans have made them more accessible than ever before — and you can get them in a day.This White Rock Loans review will explore what going through this company\u2019s affiliate lenders can offer you — and what it can\u2019t.Table of ContentsToggleWhite Rock Loans OverviewWhite Rock Loans DetailsHow to Apply at White Rock LoansWhite Rock Loans Consumer ReviewsWhite Rock Loans Pros and ConsWhite Rock Loans Frequently Asked QuestionsAlternatives to White Rock LoansWhite Rock Loans OverviewWhat Is White Rock Loans?This company isn\u2019t a direct lender who will transfer money into your bank account themselves. Instead, they take your information and share it with third-party lenders who can then decide to offer you a loan or pass on it.And if you are offered a short-term loan through one of the lenders it is aligned with, you can choose to agree to the terms or to keep looking.White Rock Loans HighlightsAll of the lenders who work with White Rock Loans offer relatively small loans that have to be paid back quickly. The smallest amount you can request is $100, and the biggest is $5,000.That means it\u2019s not the best choice if you want to purchase a dependable car or do major home renovations. But it may be suitable for emergency purchases, such as a refrigerator that stopped working or to cover expenses if you\u2019re up against financial hardship.White Rock Loans DetailsThe details provided by White Rock Loans on its website are pretty sparse, even for a lending platform. Let\u2019s look at what they do and don\u2019t share.APRThere\u2019s not a single mention of what APRs you might expect to pay if you\u2019re issued a loan through the lenders they work with. And that\u2019s extremely worrisome.It\u2019s a sign that the APRs are higher than what you should be paying.If their lenders offered competitive rates, they\u2019d likely have that in a prominent spot on their website in an attempt to entice you to do business with them. But it\u2019s nowhere to be found on their website — not even a range of what their lenders might offer you.So, it\u2019s likely to be quite high, potentially as high as the predatory payday loans all financial experts warn you should stay away from if you have any choice.FeesAgain, there is absolutely no mention of what fees their affiliate lenders might charge you. That puts you in a difficult spot.If you\u2019re extremely hard up for cash and there is nowhere else for you to turn, all you can do is cross your fingers, apply, and hope for the best.But if you have any other options you should explore them, too, in the event the fees and APRs are sky-high.TransparencyIt\u2019s hard to be less transparent about what you might expect to pay for a loan than White Rock Loans is on their website. To make things even worse, their contact page provides no real benefit.There is no phone number listed. Under the words Contact Info, the only things listed are their website you\u2019re already on when you look them up and the location of their building.There isn\u2019t even a contact form listed. So, if you want to contact them, you\u2019re completely out of luck.FlexibilityWhite Rock Loans doesn\u2019t loan anyone money — they only serve as a loan facilitator. So, they can\u2019t help you get a forbearance at all.And if you can\u2019t make your payments, they can\u2019t intervene — they instruct you to contact your lender.Funding SpeedIf you are awarded a loan through one of White Rock Loans\u2019 affiliate lenders, you should get your money super quickly. As long as you electronically agree to the loan and its terms, you might have it the next business day.AccessibilityQualifying for a loan through one of White Rock Loans\u2019 lenders isn\u2019t overly difficult. You must be:Employed with your current workplace for a minimum of 90 days.At least 18 years old.Either be a permanent resident of the U.S. or a citizen here.Earn a net income of at least $1,000 a month — that\u2019s the amount after taxes.Able to give a working telephone number for your work and home.The owner of a checking account.Able to give a working email address.Finally, you can\u2019t go through White Rock Loans in every state. But, as it did with the lack of information on APRs and fees, it glosses over this, too.The only place you see it is in the fine print on one page. And it doesn\u2019t disclose which states are out of bounds — it only says you won\u2019t be connected with a lender if you apply and you\u2019re in the wrong state.How to Apply at White Rock LoansWhile they don\u2019t make finding relevant information on their site simple at all, White Rock Loans does make filling out their application quite easy. It\u2019s the top thing you see on their website.Step 1: Determine How Much Cash You NeedYou\u2019ll see a big, bold box for this on their home screen. All you have to do is click on the amount you\u2019re seeking.Step 2: Complete the Application ProcessAfter determining how much you want, you\u2019ll have to choose what level your credit score is at — excellent, good, fair, or poor. You can also state if you aren\u2019t sure what your credit score is.Then you\u2019ll fill in other details such as your email, name, cell phone, ZIP code, street address, how long you\u2019ve lived at your current residence, and income information. They\u2019ll also ask you questions like if you own a car that is fully paid off.You should allot about 10 minutes or so to fill out all the questions they ask.Step 3: Wait for a Lender to Contact You and Then RespondYou might receive an email that day saying you\u2019re approved for a loan. You\u2019ll have to check out the details of the offer to determine if you want it.If you do, you\u2019ll sign electronically to get the ball rolling.Step 4: Wait for the MoneyIf you agree to the terms, you should receive your money fast. You might even get it the next business day.White Rock Loans Consumer ReviewsWant to hear about how other consumers have fared while going through White Rock Loans? A good place to begin is by checking out their online reviews.Better Business BureauThe first place many people turn to when they want to check out a company is the Better Business Bureau. But, unfortunately, this won\u2019t be much help when it comes to White Rock Loans.There are no reviews or ratings on the BBB website for this company.User ReviewsA search of the popular consumer reviews sites doesn\u2019t yield any reviews on White Rock Loans either. Popular sites, such as bestcompany.com and Trustpilot, came up with nothing on this company from consumers.If you like to depend on consumer reviews before making the leap to a company you\u2019ve never used before, you\u2019ll have nothing to go on here.White Rock Loans Pros and ConsIt\u2019s smart to weigh the pros and cons before making a financial decision. Let\u2019s look at how White Rock Loans stacks up.White Rock Loans ProsNo cost:\u00a0You won\u2019t pay to use White Rock Loans\u2019 services \u2014 it\u2019s free.Quick access to money:\u00a0You can have your money as soon as the next day, which can be a huge relief if you need the loan immediately for rent or food.Won\u2019t carry this loan debt for years:\u00a0Since these are short-term loans, they will be paid off rapidly.It could boost your credit score:\u00a0If you pay this loan off by the due date, it might help you build credit so you no longer have to take out payday loans \u2014 you might qualify for better rates elsewhere.Not hard to qualify:\u00a0The income requirement needed to qualify is low enough that most people with full-time jobs should be able to meet it.White Rock Loans ConsSecretive about the APR you might receive:\u00a0Since they aren\u2019t sharing this information and the loans are short term payday loans, it\u2019s likely the APRs will be extremely high, potentially in the hundreds.You don\u2019t know the length of the loan:\u00a0It does say short term, but whether the balance is due on your next paycheck, next month, or in three months, it doesn\u2019t say.It might be hard to qualify for more than a small loan:\u00a0If the loan is due in a month or less, many people with bad credit or low incomes won\u2019t qualify for big loans.No contact information:\u00a0Companies like this should be more forthcoming with their contact information, even though they aren\u2019t the direct lender.Not available in every state:\u00a0Some states have laws in place to protect residents from predatory loans that carry high interest rates. That may be the reason White Rock Loans can\u2019t be used in every state.You might be in danger of losing your car if it is paid off:\u00a0White Rock Loans\u2019 application form asks about any paid off vehicles for a reason \u2014 they want something they can tap into and potentially repossess if you default on the loan.White Rock Loans Frequently Asked QuestionsYou\u2019re smart to have a lot of questions about this company — we\u2019ll try to answer some of the most common ones people have..accordion-list .accordion-title:hover{color: #4db848;}Will I qualify for the amount of loan I request?It\u2019s impossible to say without knowing your exact circumstances, but it\u2019s pretty unlikely. Let\u2019s say you request $5,000. Unless you earn a significant amount of money or have a paid-off vehicle, the lender won\u2019t see how you\u2019d be able to repay a $5,000 short-term loan.\u00a0And, keep in mind, your lender could fight to repossess that car to recoup their money if you don\u2019t pay up. If you depend on your car to get to work, a repossession could further hurt your financial situation.\u00a0Is it guaranteed that I\u2019ll receive the money the next day?While you might receive your loan the next business day, there is no guarantee you will. It might take longer than that. If you still don\u2019t see your loan in your account two business days later, you may want to contact your lender to find out when it will be sent.\u00a0Will I face fees and penalties if I\u2019m late with a payment?That depends on your lender. And how much of a penalty you\u2019ll pay depends partly upon where you live. Some states have laws regarding late fees -- they may limit how much your lender can charge you.\u00a0If you decide to send your application through White Rock Loans, make sure you read over any loan proposals sent your way. You need to fully understand all the fees and the APR of the loan to ensure you\u2019re making a smart decision.\u00a0Am I eligible if I have awful credit?You may qualify for a loan if you have a poor credit score, although it likely won\u2019t be for as much as you might get if you had outstanding credit. You\u2019ll have a better chance if you make a higher income.While there is no way to determine that you\u2019ll get a loan for sure, it doesn\u2019t cost to try. Just make sure to examine all your other options first. This may be one of the costliest ways to get past your short-term financial problem.\u00a0I just changed jobs -- can I still qualify?Most of the lenders that White Rock Loans work with requires you to have been with your current boss for at least 90 days. But if this loan is your only option for coming up with quick cash, it might be a good idea to apply anyway, even if you\u2019ve only been with that job for a month. It may still be okay if you show a steady history of other long-term employment.\u00a0Alternatives to White Rock Loans.btn.btn-blue.dift:hover, .btn.btn-default.dift:hover {color: #4db848;border-color: #4db848;background: #fff !important;}\t\t\t White Rock LoansPersonalLoans.comOppLoansUpstart \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tPros and Cons\t\t\t\t\t\t\t\t\t\tApply Now\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tRead Review\t\t\t\t\t\t\t\t\t\tApply Now\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tRead Review\t\t\t\t\t\t\t\t\t\tApply Now\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tRead Review\t\t\t\t\t\t\t\t\t\tApply Now\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tBestFor\t\t\t\t\t\t\tPeople seeking small, fast loans who are willing to pay high APRs\t\t\t\t\t\t\t\t\t\t\t\t\tThose who have bad credit but refuse to pay sky-high APRs\t\t\t\t\t\t\t\t\t\t\t\t\tThose who want fast loans but have been denied before\t\t\t\t\t\t\t\t\t\t\t\t\tBorrowers who have a college degree\t\t\t\t\t\tLoanAmounts\t\t\t\t\t\t\t$100 to $1,000\t\t\t\t\t\t\t\t\t\t\t\t\t$1,000 to $35,000\t\t\t\t\t\t\t\t\t\t\t\t\t$500 to $5,000, depending partly upon the state of residence\t\t\t\t\t\t\t\t\t\t\t\t\t$1,000 to $50,000\t\t\t\t\t\tAPR\t\t\t\t\t\t\tNot stated\t\t\t\t\t\t\t\t\t\t\t\t\t5.99 - 35.99%\t\t\t\t\t\t\t\t\t\t\t\t\t99 - 199%\t\t\t\t\t\t\t\t\t\t\t\t\t6.46 - 35.99\t\t\t\t\t\tMinimumCredit\t\t\t\t\t\t\tMay work for any credit score\t\t\t\t\t\t\t\t\t\t\t\t\t580\t\t\t\t\t\t\t\t\t\t\t\t\tConsiders all credit scores\t\t\t\t\t\t\t\t\t\t\t\t\t620\t\t\t\t\t\tTerms\t\t\t\t\t\t\tShort-term, but length not stated\t\t\t\t\t\t\t\t\t\t\t\t\t90 days to 72 months\t\t\t\t\t\t\t\t\t\t\t\t\tUp to 36 months\t\t\t\t\t\t\t\t\t\t\t\t\t3- or 5-year term\t\t\t\t\t\tOrigination Fee\t\t\t\t\t\t\tNot stated\t\t\t\t\t\t\t\t\t\t\t\t\tDepends on the lender\t\t\t\t\t\t\t\t\t\t\t\t\tDetermined by lender\t\t\t\t\t\t\t\t\t\t\t\t\tAnywhere from none to 8 percent\t\t\t\t\t\tFundingSpeed\t\t\t\t\t\t\tCan be the next business day\t\t\t\t\t\t\t\t\t\t\t\t\tCan be in one business day\t\t\t\t\t\t\t\t\t\t\t\t\tMight be the next business day\t\t\t\t\t\t\t\t\t\t\t\t\tCan be the next business day\t\t\t\t\t\tCreditCheck\t\t\t\t\t\t\tSoft through them, may be high through lender\t\t\t\t\t\t\t\t\t\t\t\t\tMay be hard or soft\t\t\t\t\t\t\t\t\t\t\t\t\tSoft\t\t\t\t\t\t\t\t\t\t\t\t\tSoft\t\t\t\t\t\t\t\t\t \t\t"},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Fast Money","item":"https:\/\/moneydoneright.com\/fast-money\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"Personal Loans","item":"https:\/\/moneydoneright.com\/fast-money\/\/personal-loans\/#breadcrumbitem"},{"@type":"ListItem","position":3,"name":"White Rock Loans Review 2025: A Loan That\u2019s Short on Details","item":"https:\/\/moneydoneright.com\/fast-money\/personal-loans\/white-rock-loans-review\/#breadcrumbitem"}]}]